{"id":131427,"date":"2022-05-21T15:43:21","date_gmt":"2022-05-21T13:43:21","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=131427"},"modified":"2022-05-21T15:43:21","modified_gmt":"2022-05-21T13:43:21","slug":"kamatne-stope-ce-rasti-koliko-ce-to-utjecati-na-dzepove-gradana","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/kamatne-stope-ce-rasti-koliko-ce-to-utjecati-na-dzepove-gradana\/","title":{"rendered":"Kamatne stope \u0107e rasti, koliko \u0107e to utjecati na d\u017eepove gra\u0111ana?"},"content":{"rendered":"<p>Iako je sredi\u0161nja ameri\u010dka banka FED ve\u0107 dva puta ove godine podignula referentnu kamatnu stopu, <strong>Europska sredi\u0161nja banka<\/strong> sli\u010dan \u0107e potez prvi put napraviti najvjerojatnije u srpnju. To bi se, nakon nekog vremena, prelilo i na kredite za gra\u0111ane i gospodarstvo. Najbolje \u0107e pro\u0107i oni koji imaju <strong>fiksne kamatne stope<\/strong>, \u010dulo se, me\u0111u ostalim, na dvodnevnoj konferenciji Hrvatske udruge banaka.<\/p>\n<p><strong>Kamatne \u0107e stope rasti<\/strong>, ali jo\u0161 se ne zna to\u010dno ni kada ni koliko. \u010cak 61 posto kredita ima fiksne kamatne stope pa se za njihove korisnike ni\u0161ta ne\u0107e promijeniti. Preostalih 39 posto kredita ima promjenjive kamatne stope, i zahvatit \u0107e ih budu\u0107i rast, javlja\u00a0<a href=\"https:\/\/vijesti.hrt.hr\/gospodarstvo\/kamatne-stope-ce-rasti-koliko-ce-to-utjecati-na-dzepove-gradana-7468820?fbclid=IwAR1hoIrGHo4BLGxEbOPkFzxNML07VtxX6u64Ne3xzmO1tjLwcS08zBDYT3E\" target=\"_blank\" rel=\"noopener\">HRT<\/a>.<\/p>\n<p>\u201cDakle mi ne o\u010dekujemo da \u0107e to biti ekstremno velik porast, da \u0107e to biti porast koji ve\u0107ina gra\u0111ana mo\u017ee podnijet, naravno, ono \u0161to mo\u017eemo preporu\u010diti gra\u0111anima da pogledaju koliki su im anuiteti, \u0161to se zapravo zbiva i da razgovaraju sa svojom bankom o <strong>fiksiranju kamatne stope<\/strong> na neko budu\u0107e razdoblje, 3 godine, pet godina, ili sli\u010dno, \u017eele li biti izvan tog rizika\u201d, direktor Hrvatske udruge banaka\u00a0Zdenko Adrovi\u0107.<\/p>\n<p>No kamate na javni dug, odnosno dr\u017eavne obveznice ve\u0107 su porasle, pa se Hrvatska ove godine zadu\u017eila bitno skuplje nego prije godinu dana.<\/p>\n<p>\u201cPrelijevanje prema gospodarstvu i gra\u0111anima ipak je ne\u0161to sporije i malo koliko-toliko ubla\u017eenije. Koliki je tu sad efekt ovog prelijevanja to \u0107emo naravno jo\u0161 vidjeti. FED ameri\u010dki je predvodnik, ve\u0107 je ostvario odre\u0111ena pove\u0107anja i najavio druga, na razini Europske sredi\u0161nje banke jo\u0161 uvijek se o tome razgovara\u201d, ka\u017ee ministar financija\u00a0Zdravko Mari\u0107.<\/p>\n<p>Dio guvernera u Europskoj sredi\u0161njoj banci zauzima se za br\u017ei i o\u0161triji rast, od 0 cijelih 5 posto ve\u0107 u srpnju, dok su ostali za sporiji i bla\u017ei rast. <strong>Prelijevanje na Hrvatsku manje \u0107e se osjetiti zbog uvo\u0111enja eura.<\/strong><\/p>\n<p>\u201cZbog uvo\u0111enja eura, kao \u0161to smo i predvidjeli, o\u010dekuje se da taj udar na tr\u017ei\u0161te kamatnih stopa u Hrvatskoj \u0107e biti neusporedivo manji nego \u0161to bi bio da Hrvatska ne ulazi u eurozonu. Hajdemo re\u0107i da onaj segment koji smo o\u010dekivali eventualnog pada kamatnih stopa se ne\u0107e dogoditi nego \u0107e kamatne stope ostati na postoje\u0107oj razini\u201d, isti\u010de predsjednik Upravnog vije\u0107a Hanfe\u00a0Ante \u017digman.<\/p>\n<p>Rast kamatnih stopa trebao bi se osjetiti i na \u0161tednji, koja ve\u0107 godinama gotovo da i ne donosi nikakvu zaradu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Iako je sredi\u0161nja ameri\u010dka banka FED ve\u0107 dva puta ove godine podignula referentnu kamatnu stopu, Europska sredi\u0161nja banka sli\u010dan \u0107e potez prvi put napraviti najvjerojatnije u srpnju. To bi se, nakon nekog vremena, prelilo i na kredite za gra\u0111ane i gospodarstvo. Najbolje \u0107e pro\u0107i oni koji imaju fiksne kamatne stope, \u010dulo se, me\u0111u ostalim, na [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":100175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[8984,5019],"class_list":{"0":"post-131427","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-kamatne-stope","10":"tag-kredit"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kamatne stope \u0107e rasti, koliko \u0107e to utjecati na d\u017eepove gra\u0111ana? - likemetkovic.hr<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/likemetkovic.hr\/kamatne-stope-ce-rasti-koliko-ce-to-utjecati-na-dzepove-gradana\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kamatne stope \u0107e rasti, koliko \u0107e to utjecati na d\u017eepove gra\u0111ana? - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Iako je sredi\u0161nja ameri\u010dka banka FED ve\u0107 dva puta ove godine podignula referentnu kamatnu stopu, Europska sredi\u0161nja banka sli\u010dan \u0107e potez prvi put napraviti najvjerojatnije u srpnju. To bi se, nakon nekog vremena, prelilo i na kredite za gra\u0111ane i gospodarstvo. 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